I have seen sites like CreditKarma or Credit Cards under-report and over-report consumers scores, so they are not the most accurate.

The maintenance/cap ex, not being a function of the rent but a function of the unit and tenant, will consume a significant portion of rent.  

***What does "modest" mean?

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

As the consumer, we should be well prepared with your personal info(credit scores, dti, taxes, insurance, etc) to get a baseline estimate.

In this case the consumer over estimates the risk of an hourly model costing more than a traditional commission model.

It's done well enough to keep the lights on with a modest profit, but definitely could do a lot better with more of that experienced property manager's "secret sauce".

And neither will Redfin, each will charge what they want as long as a consumer is willing to pay it.

So while I can't claim to speak for every financial institution out there, it's a very broad survey, finding an option not contained there might involve making quite a few phone calls.When I see 30 year fixed, 30 year amortization, 30 year maturity (basically, identical terms to a consumer-friendly kid-gloves home loan), which does in fact pop up if I specifically search for it, it's almost always at a rather high interest rate, and the borrower doesn't opt for it.

By harder, I mean finding deals that actually pencil to even modest positive cash flow returns.